Blamed for bank fraud - HELP !

eskbanker

callum9999 wrote: »

Is it just me or is this forum getting more and more aggressive by the day?

I think you're right - in one recent thread I made a perfectly reasonable point and was promptly jumped on by a particularly aggressive poster who said he found my post 'sickening' and started to make personal insinuations about me for no apparent reason....

https://forums.moneysavingexpert.com/discussion/comment/66782516#Comment_66782516

planteria

you have to look beyond the wolves that gather together to abuse.. as the moderators willingly support their abuse. but there are plenty of good people here who are keen to help:)

Bantex_2

gunsandbanjos wrote: »

I would be very concerned about the CIFAS marker particularly given your intended career.

If the bank believe you were attempting to launder money they will place a category 06 marker which is for first party fraud.

No other bank will touch you with a barge pole with a cat 06 on your record.

I had a CIFAS marker which just said I had been a victim of fraud, I would suspect this is what OP has.

Somerset

Bantex wrote: »

I had a CIFAS marker which just said I had been a victim of fraud, I would suspect this is what OP has.

I think it will probably be more specific and uncomplimentary.


I discovered I had a CIFAS note that related to a named occupant/owner of a flat that I shared a building with. Literally because he had been a victim of fraud it was 'associated' with my file ie he lived at 1st floor flat, I was ground floor flat. I don't think the OP's will be a generic marker if they decide (as he's implied) he's been complicit in the shenanigans.

gunsandbanjos

Bantex wrote: »

I had a CIFAS marker which just said I had been a victim of fraud, I would suspect this is what OP has.

Not if OP is suspected of having a hand in the fraud.

Bmth100

Sofail wrote: »

From what I've been told by BoS their 'Solid Evidence' is essentially that the most likely (in my opinion easiest) answer is that I have done the fraud.
Other than this assumption no other evidence has been brought forward - I just cant understand how this can constitute 'solid proof' to POTENTIALLY add a CIFAS marker to my name.

As I mentioned before there is currently to my knowledge no CIFAS marker logged and the bank had initially told me none would - then of course told that 'maybe' one would...

At work when you see CIFAS markers does this proof also come up or do you just see the marker and move on? What is the procedure?
Would I not even be able to open a basic account - Is there nothing at all

Also surely if the proof is 'solid' the police would be involved?

You might not have a mark. "Solid evidence" might be the wrong phrase to have used. I have a lot of software at my disposal; I've never had a fraudulent application get past me, and 99% of the time, I can identify the responsible party. In this case, I'll report it to cifas, to make sure this person is unlikely to get credit elsewhere.

I see credit as a privilidge. Once you've seen a teenage chav trying to rip off their vulnerable elders as often as I have, you would be inclined to want to teach them a lesson and make sure other people are protected from them.

But that doesn't mean the Police will investigate. It's on the victim of fraud to report it to them (I work in application fraud, company not at a loss, so no police report).

Having a CIFAS market is no guarantee you'll be declined for credit. We're not allowed to base our decision to lend on a CIFAS result alone. But you can be sure that when our SLAs / stats come into play, we'd see somebody in this position as a higher risk and so we would be less inclined to want to lend.

callum9999

eskbanker wrote: »

I think you're right - in one recent thread I made a perfectly reasonable point and was promptly jumped on by a particularly aggressive poster who said he found my post 'sickening' and started to make personal insinuations about me for no apparent reason....

https://forums.moneysavingexpert.com/discussion/comment/66782516#Comment_66782516

You know full well what the reason was - you merely don't agree with it.

I personally find ignoring a friend in trouble to be sickening behaviour and I won't apologise for that. Though what I find more sickening is the number of people on here who share your sentiments on that.

Having re-read that, I also didn't seem to make any "personal insinuations" about you at all. The only thing that could vaguely come under that bracket is me saying I'd be shocked if you have any friends if they knew you wouldn't want to bother helping them if they got into some financial trouble. The key word there being if, as I find it hard to believe you actually act so callously in person.

gik

callum9999 wrote: »

You know full well what the reason was - you merely don't agree with it.

I personally find ignoring a friend in trouble to be sickening behaviour and I won't apologise for that. Though what I find more sickening is the number of people on here who share your sentiments on that.

Having re-read that, I also didn't seem to make any "personal insinuations" about you at all. The only thing that could vaguely come under that bracket is me saying I'd be shocked if you have any friends if they knew you wouldn't want to bother helping them if they got into some financial trouble. The key word there being if, as I find it hard to believe you actually act so callously in person.

I have a friend who has been in financial trouble dozens of times and who I have bailed out on every occasion...they walked away from the friendship when I finally said no more. He has a business but is crap with money, I am unemployed at the moment but good financially. I can easily afford to help. Why the Friar Tuck should I? He owes me 10's of thousands already.

grumbler

Bmth100 wrote: »

You might not have a mark. "Solid evidence" might be the wrong phrase to have used. I have a lot of software at my disposal; I've never had a fraudulent application get past me, and 99% of the time, I can identify the responsible party. In this case, I'll report it to cifas, to make sure this person is unlikely to get credit elsewhere.

"Lot of software" - this does inspire confidence. Why do we not replace the judges with computers then?

I see credit as a privilidge.

Is a current account a 'privelege' too? People with CIFAS marks often get refused even basic accounts. CIFAS meant to protect people, but on the sly became a blacklist.

But that doesn't mean the Police will investigate. It's on the victim of fraud to report it to them (I work in application fraud, company not at a loss, so no police report).

The company is a victim. Intention to defraud is a crime and doesn't stop being a crime only because there was no loss yet.

Having a CIFAS market is no guarantee you'll be declined for credit.

(NOT)

We're not allowed to base our decision to lend on a CIFAS result alone.

Come on... Applications get routinely declined by computers because of the mark, and human beings are often busy or lazy it intervene.

callum9999

gik wrote: »

I have a friend who has been in financial trouble dozens of times and who I have bailed out on every occasion...they walked away from the friendship when I finally said no more. He has a business but is crap with money, I am unemployed at the moment but good financially. I can easily afford to help. Why the Friar Tuck should I? He owes me 10's of thousands already.

Sorry, I didn't explain the context properly. The scenario was they had a friend who didn't have a permanent address so couldn't open a bank account, and if they didn't find a way to do so within a month then they would risk being fired. The person whose attitude I described as sickening (a bit hyperbolic I agree, but the principle remains) said they should just leave them to sort it out on themselves as it's not their responsibility.

Obviously I don't expect people to help unconditionally! You've clearly gone far above and beyond.

I'm also hoping the people agreeing with them on here are just jumping on the bandwagon and don't share their opinion on how to treat your friends!